In my mind, 2001 marked a maturing of our consumer bank strategy. The success of our retail efforts is clearly driving earnings momentum while allowing us to maintain a very low risk profile. We became a core-funded bank with a mix of assets approaching that of many regional banks. That helped open up the interest margin and, when combined with record-breaking asset generation volumes, provided us with great tools for managing the balance sheet risk in terms of interest rates, credit and capital. On the earnings side, we hit 20% retail revenue growth for the fifth straight year. That alone is a powerful part of our earnings momentum and repeating that in 2002 would contribute half of our EPS growth target.